Pheabs offers a simple, fast and effective way to get payday loans in California — using our loans connection service we can help find the right lender for you and you can receive funds within 24 hours or sooner. 

A payday loan can be a helpful option if you need money for an emergency or something to tide you over until your next pay cheque. Or maybe you are considering all other alternatives, such as borrowing money from family or friends. Either way, once in a while, we all need a boost in our personal finances and Pheabs is here to help you every step of the way.

Pheabs is here to help you find the best payday loans in California, covering every major town and city in the State. We offer a completely online process and your application will be processed against hundreds of direct money lenders, apps and payday stores to find you the best approval and most competitive rate.

There is no need to go to every lender one-by-one and wait for approval. Nor is there a need to go to a bank or store, line up and wait for your turn, since everything can be processed online for you. Pheabs will search multiple providers at once and give you a quick decision — making it smart and convenient when you need to borrow money fast.

We serve all areas of California including Bakersfield, Fresno, Lancaster, Los Angeles, Sacramento, San Diego, San Francisco, San Jose and Stockton.

You can borrow between $100 and $35,000 with a payday loan in California CA — with the amount you can borrow depending on things such as your income and credit score. When given a loan decision, it will be very clear how much you can borrow and the monthly repayments involved — so you can make sure that it is affordable for you before you proceed.

There are options to get a quick fast payday loan so that you get the money upfront and then pay back the full loan amount and interest in just a few weeks — or your next payday. Or you can consider more longer term short term loans or installment loans for up to 60 months if you prefer to spread repayment over time. You will always have the option to repay your loan early if you need to — and you will often save money for doing so.

Receiving a payday loan in California could take as little as an hour or sometimes the next business day! When using Pheabs, your online form will be sent to lenders across California, and you’ll receive an instant decision. If your request is accepted, you’ll find the money in your account as fast as possible.

To ensure that you get your loan as quickly as possible, get all your bank details ready to go. You should also stand by your emails and phone once you’ve applied, just in case you are needed to provide some follow-up information. For fastest response times, send it during work hours, since this is when most loans are funded, and avoid national holidays!

Yes, Pheabs offer payday loans in LA, San Francisco and San Diego and all other cities, towns and regions in the state of California. With an entirely online application, you can complete your details online from the comfort of your own home or even your living room.

We proudly cover all areas of Cali, including Anaheim, Bakersfield, Corona, Denton, Escondido, Modesto, North Hills, Ontario, Orange, Sacramento and Stockton.

Before requesting a payday loan in California, make sure to consider whether you can afford to meet the repayments on time. In the case that you are unable to repay your California payday loan, interest may be added. Not repaying your loan on time may also affect your credit score. It would be best if you thought about how much you need to borrow before getting started. This will help you make sure you don’t over-borrow or under-borrow.

Have a think about how many repayments you might need to make, with our payday product is perfect for loans for 14 to 30 days, or you can opt for our installment loan product which allows you to repay over 6, 12 or 60 months if you prefer.


If you have a bad credit score, don’t worry — you can still get a payday loan in California. With Pheabs, all credit histories are accepted. This means that you should still request a payday loan with us even if you have already been turned down by a bank because of bad credit. Our lenders are considering several other factors including your income, employment and other recent payments that you might have made on time. Pheabs will also consider those looking for no credit check loans, but note that a credit check is usually carried out for all customers.

Whether you’re in San Diego, Los Angeles or San Francisco, Pheabs can help you to find the payday loans in California best for you.

Do You Accept All Credit Histories

Yes, Pheabs considers all different types of credit histories, including those with bad credit. So you should not be discouraged if you have had the occasional default in the past or have been turned down by other lenders or banks. Our partners will consider poor credit provided that you have a regular and stable income and a commitment to repay your loan on time.

How Much Can I Borrow in The State of California?

In California, the maximum payday loan amount is $255, but Pheabs has other personal loan, title loan and installment options that range from $100 to $35,000.

The amount you can borrow based on factors like your monthly income, credit status and affordability. Other things come into play too, including your residence (homeowners are often preferred), age and whether you have any other similar loans open too.

What is The Eligibility Criteria?

When applying for a payday loan in California, you will have to meet a few different criteria to be eligible. This can include:

  • You must be over 18 years old.
  • You must be a resident in the U.S.
  • You must be earning $800 per month minimum.
  • You must be in steady employment.
Is Pheabs a Direct Lender or a Broker?

Yes! Pheabs is a broker. This means that if you’re approved we won’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel. But do not worry, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.

What is The Repayment Period and Terms?

Customers can repay over 1 month to 60 months (or equal to 5 years) — this will depend on whether you prefer the payday option which may be just a few weeks or months, or the longer installment option which can be several years to stretch our your repayments. Payments are usually made in equal monthly installments from the bank account you choose and you always have the option to repay early if you would like to do so.

Do You Charge Any Fees For Using Your Service?

Absolutely not, we do not and will never charge fees for using our service. Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before your proceed.